As a student parent, you know and have invested in your education. This program ensures that if you should die, your children will still be able to pursue education.

What is LifeBridge?
This is a FREE life insurance program for income eligible families. It is designed to help you protect your dream of providing an education for your children if you die before they complete their schooling. The policy is for $50,000 and is a 10-year term life insurance policy that can only be used to cover educational expenses of your children.

Is this policy really free?
Yes it is completely free with no further obligations. As part of their commitment to increase family assets, MassMutual is paying the premiums for this policy. There is no cost to you or your children.

How long will this program be available?
New applications will be accepted until 20,000 policies are issued & the program discontinued.

What if my income goes up after I get the free life insurance policy?
As long as you qualify at the time of application, you are covered for the entire 10 year term of the policy.

If I fill out the eligibility form, does that mean I am guaranteed coverage?
No. The information you provide on the eligibility form is used to determine if you are eligible to apply for the LifeBridge Free Life Insurance Program. Once you are notified you are eligible to apply, you will then need to complete an application for insurance.

To be eligible you must be:
- Between the ages of 19 and 42;
- Parent or legal guardian children under age 18;
- U.S. Citizen or permanent, legal resident of the United States;
- Currently employed full or part time with annual family income between $10,000 and $40,000;
      - If you have a new job you can use your monthly pay stubs (vs. tax return) to verify income eligibility
- In good health as determined by Mass Mutual’s underwriting guidelines;
- You are not eligible if you have been diagnosed with heart disease, cancer, HIV or Type 1 Diabetes; You currently abuse drugs or alocohol or have abused
them within the last 10 years; or are currently on probation.

For more info, download the LifeBridge FAQ brochure available at the SPAM Website.

Mail completed Eligibility Form to:
Jeffrey JL Ling, CFP ∗ MassMutual Financial Group ∗ 1001 Bishop St., Suite 2600 ∗ Honolulu, HI 96813
Tel: 808-537-4591 ext 446